How have SBA loans in Baked Goods Stores turned out?
Of 2,263 loans approved in fiscal 2001 to 2021 (at least five years old), 348 (15.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years. Baked Goods Stores appears on 2,826 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $738.6 million in gross approvals. These are loans, not a rating.
Not financial, legal or franchise advice. This page reports what the SBA's loan file records for SBA-guaranteed loans. A charge-off rate is not a rating of a brand or an industry, it does not predict a new loan, and a franchisee's loan is not a measure of the franchisor. Read the franchise's disclosure document and talk to a lender or an adviser before you borrow.
Baked Goods Stores appears on 2,826 SBA-guaranteed 7(a) loans approved from fiscal 2001 to 2026, $738.6 million in gross approvals.
Of 2,263 loans approved in fiscal 2001 to 2021 (at least five years old), 348 (15.4%) were charged off by the lender, against 15.6% across all 7(a) loans approved in those same years.
A charge-off is a loan the lender wrote off. It is not a statement about the borrower, the brand or the franchisor, and it does not predict how a new loan will turn out.
share of this group's loans charged off, by approval year (years with 10+ loans)all 7(a) loans, same year
Every approval year
Approval year
Loans
Approved
Paid in full
Charged off
Not yet resolved
Charged-off share
FY2001
135
$19.0 million
112
23
0
17.0%
FY2002
163
$24.4 million
144
19
0
11.7%
FY2003
171
$25.2 million
143
28
0
16.4%
FY2004
153
$23.8 million
135
18
0
11.8%
FY2005
156
$24.1 million
116
39
1
25.0%
FY2006
167
$21.1 million
123
44
0
26.3%
FY2007
152
$14.5 million
89
63
0
41.4%
FY2008
103
$10.8 million
69
32
2
31.1%
FY2009
72
$12.0 million
62
10
0
13.9%
FY2010
69
$13.1 million
63
5
1
7.2%
FY2011
68
$18.6 million
64
3
1
4.4%
FY2012
88
$17.9 million
75
12
1
13.6%
FY2013
82
$16.4 million
74
7
1
8.5%
FY2014
89
$16.6 million
80
6
3
6.7%
FY2015
115
$24.8 million
102
9
4
7.8%
FY2016
90
$25.0 million
75
7
8
7.8%
FY2017
93
$22.9 million
75
7
11
7.5%
FY2018
83
$22.9 million
64
8
11
9.6%
FY2019
71
$25.2 million
44
4
23
5.6%
FY2020
44
$12.1 million
22
3
19
6.8%
FY2021
99
$58.5 million
52
1
46
1.0%
FY2022
85
$40.2 million
30
3
52
too recent for a share
FY2023
138
$61.6 million
38
2
98
too recent for a share
FY2024
157
$71.2 million
15
3
139
too recent for a share
FY2025
115
$58.2 million
5
0
110
too recent for a share
FY2026
68
$58.5 million
2
0
66
too recent for a share
By state, where 30 or more loans are at least five years old
State
Loans (FY2001 to 2021)
Charged off
Share
California
242
36
14.9%
New York
200
36
18.0%
Texas
154
26
16.9%
Puerto Rico
153
27
17.6%
New Jersey
140
20
14.3%
Pennsylvania
131
15
11.5%
Ohio
115
19
16.5%
Michigan
100
16
16.0%
Illinois
99
15
15.2%
Massachusetts
94
9
9.6%
Florida
84
18
21.4%
Wisconsin
54
9
16.7%
US Small Business Administration, 7(a) FOIA loan data as of 30 September 2026. SBA-guaranteed 7(a) loans only, aggregated; no borrower or lender is shown. SBA open data.